The Entrepreneurial Finance Lab (EFL) is an emerging market credit-scoring technology company that enables financial institutions to evaluate any SME regardless of credit and financial history or collateral. EFL uses psychometric principles and other non-traditional data to generate highly predictive credit scores by statistically relating entrepreneurial qualities such as intellect, business acumen, ethics, and attitudes and beliefs to business success and failure. EFL has successfully lowered defaults and increased small business loan portfolios of some of the largest banks in 25 countries across Africa, Latin America and Asia (including Standard Bank in Africa and BBVA Bancomer in Mexico). In the process EFL is helping banks generate close to two million dollars weekly and almost a quarter of a billion dollars in new loans to deserving entrepreneurs in emerging markets.